John Duke Kinney

Financial Representative

Permanent Life Insurance

Permanent life insurance is designed to provide insurance protection for as long as you live. This is in contrast to term
insurance, which provides protection for a set number of years, or term.

And while most people purchase insurance to provide a death benefit, permanent life insurance can also provide benefits while
you’re living. The cash value of a permanent life insurance policy grows income tax deferred and can be used to
provide an income stream during retirement or can help meet other long-term financial goals, such as funding a college
education for a child or grandchild.

The guaranteed accessibility to the cash value makes permanent life insurance one of the most valuable assets people can
own.

Northwestern Mutual offers four types of permanent life insurance:

Whole Life Insurance

Whole life is a form of permanent life insurance that offers guaranteed level premiums, a guaranteed death benefit and guaranteed
cash value.

CompLife Insurance

CompLife is a hybrid of permanent and term insurance that offers lifelong protection and the ability to build cash value,
plus the ability to secure high levels of more affordable, temporary protection.

Universal Life Insurance

Universal life combines the benefits of permanent life insurance and its ability to build cash value with the convenience
of an adjustable death benefit, premiums and payment schedules.

Variable Life Insurance

Variable life insurance offers life insurance with the potential for greater cash value and death benefit growth than other
types of permanent life insurance. Because you determine where your policy’s cash value is invested, you can take
on more risk in exchange for greater potential growth.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life and disability insurance, annuities, and life insurance with long-term care benefits) and its subsidiaries. John G Kinney is an Insurance Agent of NM and Northwestern Long Term Care Insurance Company, Milwaukee, WI, (long-term care insurance) a subsidiary of NM.

The products and services referenced are offered and sold only by appropriately appointed and licensed entities and Financial Representatives. Financial Representatives and their staff might not represent all entities shown or provide all the services discussed on this Web site. Not all products and services are available in all states.

John G Kinney is primarily licensed in New York and may be licensed in other states.